Banca Ifis SPA (IT:IF)
:IF
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Banca Ifis SPA
(IF)
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Rating:62Neutral
Price Target:
€24.50
▲(3.38% Upside)
Action:DowngradedDate:03/31/26
The score is driven primarily by improved profitability and very attractive valuation (low P/E and high dividend yield). These positives are tempered by elevated financial risk from negative cash flow over the last two years and sharply higher leverage, while technical indicators point to a prevailing downtrend.
Positive Factors
Specialized business model
A focused specialty-finance and NPL-servicing model creates durable competitive advantage: recurring fee income from receivables management, structural origination in factoring, and collection upside on NPL portfolios. This concentration supports differentiated underwriting expertise and sticky client relationships over time.
Negative Factors
Weak cash generation
Two consecutive years of negative operating and free cash flow signal lower cash quality behind reported profits. Persistent cash deficits can force reliance on external funding, limit reinvestment, increase refinancing risk, and make earnings less resilient to stress in collections or credit cycles.
Read all positive and negative factors
Positive Factors
Negative Factors
Specialized business model
A focused specialty-finance and NPL-servicing model creates durable competitive advantage: recurring fee income from receivables management, structural origination in factoring, and collection upside on NPL portfolios. This concentration supports differentiated underwriting expertise and sticky client relationships over time.
Read all positive factors
Banca Ifis SPA (IF) vs. iShares MSCI Italy ETF (EWI)
Market Cap
€1.40B
Dividend Yield8.44%
Average Volume (3M)145.18K
Price to Earnings (P/E)4.8
Beta (1Y)0.93
Revenue Growth43.89%
EPS Growth87.90%
CountryIT
Employees2,013
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)4.13
Shares Outstanding61,540,455
10 Day Avg. Volume166,734
30 Day Avg. Volume145,175
Financial Highlights & Ratios
PEG Ratio0.07
Price to Book (P/B)0.74
Price to Sales (P/S)1.51
P/FCF Ratio-9.41
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€29.30Price Target Upside23.63% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)2.39
Revenue Forecast (FY)€879.65M
Banca Ifis SPA Business Overview & Revenue Model
Company Description
Banca IFIS S.p.A. provides credit services and solutions for enterprises. It engages in the purchase/management of non-performing loan portfolios. It offers factoring, advisory and equity investment, structured finance, leasing, and long-term fina...
How the Company Makes Money
Banca Ifis primarily earns money through a combination of interest income and fee/commission income generated by specialty finance and credit-management activities. (1) Specialty finance / factoring: it generates interest revenue by financing clie...
Banca Ifis SPA Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
56
Neutral
Cash Flow
34
Negative
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 1.02B | 1.04B | 1.04B | 941.90M | 683.73M | 621.62M |
| Gross Profit | 1.02B | 922.63M | 607.08M | 598.84M | 569.49M | 507.47M |
| EBITDA | 254.73M | 413.63M | 268.60M | 255.14M | 228.71M | 167.77M |
| Net Income | 155.08M | 328.00M | 161.58M | 160.11M | 141.09M | 100.58M |
Balance Sheet | ||||||
| Total Assets | 13.96B | 21.65B | 13.83B | 14.05B | 13.26B | 12.98B |
| Cash, Cash Equivalents and Short-Term Investments | 409.63M | 814.76M | 579.01M | 883.83M | 610.36M | 708.57M |
| Total Debt | 2.87B | 7.46B | 3.67B | 5.17B | 2.74B | 2.62B |
| Total Liabilities | 12.16B | 19.51B | 12.08B | 12.36B | 11.66B | 11.35B |
| Stockholders Equity | 1.78B | 2.12B | 1.73B | 1.68B | 1.59B | 1.60B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | -165.93M | -223.72M | 400.73M | 382.38M | 52.79M |
| Operating Cash Flow | 0.00 | -118.77M | -191.52M | 445.41M | 399.95M | 73.42M |
| Investing Cash Flow | 0.00 | 94.70M | -50.66M | -105.85M | -17.51M | 73.54M |
| Financing Cash Flow | 0.00 | 306.34M | -110.34M | -85.16M | -134.69M | -83.18M |
Banca Ifis SPA Technical Analysis
Positive
23.70
Price Trends
23.41
Positive
24.53
Negative
23.30
Positive
Market Momentum
-0.06
Negative
60.32
Neutral
91.83
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IT:IF, the sentiment is Positive. The current price of 23.7 is above the 20-day moving average (MA) of 22.14, above the 50-day MA of 23.41, and above the 200-day MA of 23.30, indicating a bullish trend. The MACD of -0.06 indicates Negative momentum. The RSI at 60.32 is Neutral, neither overbought nor oversold. The STOCH value of 91.83 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IT:IF.
Banca Ifis SPA Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
74 Outperform | €25.89B | 16.76 | 13.48% | 6.09% | 12.48% | 14.40% | |
73 Outperform | €5.14B | 8.39 | 13.87% | 6.23% | -8.61% | 0.15% | |
66 Neutral | €18.71B | 8.79 | 18.92% | 8.25% | -10.25% | 8.52% | |
62 Neutral | €1.40B | 4.76 | 16.33% | 8.44% | 43.89% | 87.90% | |
58 Neutral | €1.20B | 9.76 | 7.87% | 4.86% | -13.20% | 2.90% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
47 Neutral | €399.79M | -69.77 | -12.79% | ― | 19.94% | -122.87% |
* General Sector Average
IT:IF
Banca Ifis SPA
23.14
2.97
14.72%
IT:BAMI
Banco BPM S.p.A.
12.38
3.85
45.18%
IT:BDB
Banco di Desio e Della Brianza SPA
9.16
1.60
21.16%
IT:BPE
BPER Banca S.p.A.
12.41
5.89
90.19%
IT:CE
Credito Emiliano SPA Credem
15.14
3.77
33.19%
IT:DOV
doValue S.p.A
2.11
0.30
16.27%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.